IFSC Code of Indian Overseas Bank, Ahmedabad Hebatpur Road Branch, Gujarat

If you are searching for the IFSC code of Indian Overseas Bank, AHMEDABAD HEBATPUR ROAD branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is IOBA0003260. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AHMEDABAD HEBATPUR ROAD branch, and detailed step-by-step guides for using the IFSC IOBA0003260 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, IOBA0003260 is the IFSC of Indian Overseas Bank's AHMEDABAD HEBATPUR ROAD branch. The format is fixed: IOBA = bank code, 0 = reserved, 003260 = branch identifier.

Branch details at a glance

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ahmedabad Hebatpur Road branch — IFSC IOBA0003260 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

Ahmedabad Hebatpur Road branch overview

Located at 3 TO 8 SIESTA BUSINESS ZONE DHAIRYA C H SERV LTD HEPATPUR ROAD AHMEDABAD 380059, the Ahmedabad Hebatpur Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003260 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's AHMEDABAD HEBATPUR ROAD branch came to be assigned the code IOBA0003260.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0003260, money simply cannot be routed to the AHMEDABAD HEBATPUR ROAD branch electronically.

How to transfer money using IFSC IOBA0003260

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IOBA0003260 across all three.

NEFT to Indian Overseas Bank, AHMEDABAD HEBATPUR ROAD using IFSC IOBA0003260

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IOBA0003260, and confirm that the system picks up Indian Overseas Bank – AHMEDABAD HEBATPUR ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AHMEDABAD HEBATPUR ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's AHMEDABAD HEBATPUR ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003260 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Overseas Bank – AHMEDABAD HEBATPUR ROAD, use IMPS. With IFSC IOBA0003260 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0003260 for Indian Overseas Bank – AHMEDABAD HEBATPUR ROAD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Ahmedabad Hebatpur Road branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's AHMEDABAD HEBATPUR ROAD branch, the IFSC IOBA0003260 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Ahmedabad Hebatpur Road branch

Once you have an account at Indian Overseas Bank – AHMEDABAD HEBATPUR ROAD, the IFSC IOBA0003260 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Ahmedabad Hebatpur Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0003260

MICR & cheque-truncation details

Cheques drawn on the Ahmedabad Hebatpur Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003260 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Ahmedabad Hebatpur Road branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0003260 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – AHMEDABAD HEBATPUR ROAD:

• The IFSC is exactly IOBA0003260 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Indian Overseas Bank as the bank name and AHMEDABAD HEBATPUR ROAD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Ahmedabad Hebatpur Road branch

The branch is located at 3 TO 8 SIESTA BUSINESS ZONE DHAIRYA C H SERV LTD HEPATPUR ROAD AHMEDABAD 380059, which puts it inside Ahmedabad, the broader Ahmadabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Ahmedabad Hebatpur Road branch” — the verified location pin for IFSC IOBA0003260 should appear at the top of the results.
2. Confirm the branch is open by calling 44-28584896 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IOBA0003260 and your account number.

Verifying IFSC IOBA0003260 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IOBA0003260 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-28584896.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ahmedabad Hebatpur Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003260, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0003260 belongs to Indian Overseas Bank's AHMEDABAD HEBATPUR ROAD branch, located at 3 TO 8 SIESTA BUSINESS ZONE DHAIRYA C H SERV LTD HEPATPUR ROAD AHMEDABAD 380059 in AHMEDABAD, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.